Trusted IRDAI-Certified
Insurance Partner
Provides coverage for third-party injuries, property damage, and legal liabilities.
What’s Covered
Commercial General Liability Insurance protects businesses against third party bodily injury, property damage, and legal claims arising from daily operations. It safeguards financial stability, supports contractual compliance, and helps organisations manage unforeseen risks that could otherwise disrupt operations, reputation, and long term business continuity across diverse industries and markets globally.
Provides protection against legal liability for bodily injury suffered by third parties on business premises or due to operations. It covers medical costs, legal defence expenses, and compensation, reducing financial exposure from unexpected claims incidents.
Covers legal liability arising from damage to third party property caused during business activities. This includes repair or replacement costs, legal fees, and settlements, helping businesses handle accidental losses without major financial strain or disruption.
Pays for legal defence expenses incurred while responding to covered liability claims. This includes lawyer fees, court costs, and associated expenses, ensuring businesses can defend claims effectively without diverting operational funds during complex legal proceedings.
Protects against claims arising after a product is sold or a service is completed. It covers injury or damage caused by defects, errors, or failures, helping businesses manage post delivery risks responsibly and customer expectations.
Covers claims related to advertising injuries such as defamation, copyright infringement, or misleading promotions. This protection is crucial for businesses engaged in marketing, branding, or public communications across multiple platforms and digital media channels today.
Extends liability protection across specified geographical locations, including overseas operations when applicable. This benefits organisations with global exposure, ensuring consistent risk coverage while operating in different regions and regulatory environments with varied compliance requirements internationally.
Shields business finances from unexpected liability claims and compensation costs.
Meets client and statutory requirements for liability coverage across industries.
Covers defence costs and settlements, preventing sudden financial strain effectively.
Builds confidence among clients, partners, and stakeholders during engagements professionally.
Protects against common incidents occurring during normal business operations activities.
Adaptable protection suitable for manufacturing, services, retail, and enterprises nationwide.
How to Buy
Understand business liability risks, compare coverage options, share company details, and activate reliable protection smoothly with expert support and hassle-free policy issuance.
Instant & personalised
No impact on credit score
No hidden fees
Evaluate third-party exposure, operations risks, and potential legal liabilities.
Compare coverage limits, inclusions, exclusions, premiums, and insurer credibility.
Provide business information and documents for accurate policy structuring.
Confirm the policy, complete payment, and start liability protection instantly.
Faq’s
Commercial general liability insurance is suitable for businesses that interact with clients, vendors, or the public. It is essential for offices, manufacturers, service providers, retailers, and contractors seeking protection against third party injury, property damage, and related legal claims arising from routine operations across varied sectors, scales, and growth stages.
It covers third party bodily injury, property damage, legal defence costs, and certain personal or advertising injury claims. Coverage applies to incidents occurring during business operations, on premises, or due to products and completed services, subject to policy terms and exclusions outlined within agreed limits, conditions, endorsements, and jurisdictional applicability.
Commercial general liability insurance is not legally mandatory in India, but it is often contractually required. Many clients, landlords, and partners insist on coverage before engagement, making it a practical necessity for risk management, business continuity, and professional credibility especially for growing organisations operating in competitive markets, industries, and environments.
Premiums are determined based on business nature, turnover, industry risk, claims history, coverage limits, and extensions selected. Higher exposure activities or larger operations generally attract higher premiums, while good risk practices and claims experience can help optimise costs through structured policies, safety measures, documentation, and professional risk management support services.
Claims require prompt intimation, incident details, and supporting documents such as legal notices or damage reports. Advisory support helps coordinate with insurers, manage documentation, and follow up until settlement, ensuring smoother resolution and reduced administrative burden for businesses during complex liability situations, disputes, negotiations, and multi stakeholder claim processes efficiently handled.
Disha Capital Insurance Brokers Pvt Ltd
Head Office : 404-A, 43 Chiranjiv Tower, Nehru Place, New Delhi – 110019
Contactus@dishainsurance.com
9319222734
